Lexus GS 350 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 6, 2024
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The average auto insurance rates for a Lexus GS 350 are $1,262 annually for full coverage. Comprehensive costs approximately $270 a year, collision costs $466, and liability coverage costs around $390. Liability-only insurance costs as low as $438 a year, with high-risk driver insurance costing around $2,728. 16-year-old drivers cost the most to insure at $4,708 a year or more.
Average premium for full coverage: $1,262
Policy rates by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and GS 350 trim levels.
Price Range Variability
For the normal driver, Lexus GS 350 insurance rates go from as cheap as $438 for your basic liability-only policy to a high of $2,728 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than congested cities.
The diagram below illustrates how geographic area affects auto insurance prices.
The examples above show why it is important to compare prices using their specific location and their own personal driving habits, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Lexus GS 350 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $725
- Using higher $1,000 deductibles will save $1,092 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,262
- Buying low $100 deductibles for physical damage coverage will cost $1,582
- Higher-risk drivers with multiple tickets or accidents could pay around $2,728 or more
- Policy cost with full coverage for a teenage driver can cost $4,708 or more
Auto insurance rates for a Lexus GS 350 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 45% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $490 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Lexus GS 350 insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,800 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,140 | -$122 | -9.7% |
| Alaska | $966 | -$296 | -23.5% |
| Arizona | $1,046 | -$216 | -17.1% |
| Arkansas | $1,262 | -$0 | 0.0% |
| California | $1,436 | $174 | 13.8% |
| Colorado | $1,204 | -$58 | -4.6% |
| Connecticut | $1,294 | $32 | 2.5% |
| Delaware | $1,424 | $162 | 12.8% |
| Florida | $1,574 | $312 | 24.7% |
| Georgia | $1,166 | -$96 | -7.6% |
| Hawaii | $906 | -$356 | -28.2% |
| Idaho | $852 | -$410 | -32.5% |
| Illinois | $938 | -$324 | -25.7% |
| Indiana | $948 | -$314 | -24.9% |
| Iowa | $850 | -$412 | -32.6% |
| Kansas | $1,198 | -$64 | -5.1% |
| Kentucky | $1,720 | $458 | 36.3% |
| Louisiana | $1,864 | $602 | 47.7% |
| Maine | $778 | -$484 | -38.4% |
| Maryland | $1,040 | -$222 | -17.6% |
| Massachusetts | $1,006 | -$256 | -20.3% |
| Michigan | $2,188 | $926 | 73.4% |
| Minnesota | $1,058 | -$204 | -16.2% |
| Mississippi | $1,508 | $246 | 19.5% |
| Missouri | $1,118 | -$144 | -11.4% |
| Montana | $1,354 | $92 | 7.3% |
| Nebraska | $992 | -$270 | -21.4% |
| Nevada | $1,510 | $248 | 19.7% |
| New Hampshire | $910 | -$352 | -27.9% |
| New Jersey | $1,408 | $146 | 11.6% |
| New Mexico | $1,114 | -$148 | -11.7% |
| New York | $1,328 | $66 | 5.2% |
| North Carolina | $726 | -$536 | -42.5% |
| North Dakota | $1,032 | -$230 | -18.2% |
| Ohio | $868 | -$394 | -31.2% |
| Oklahoma | $1,294 | $32 | 2.5% |
| Oregon | $1,154 | -$108 | -8.6% |
| Pennsylvania | $1,200 | -$62 | -4.9% |
| Rhode Island | $1,680 | $418 | 33.1% |
| South Carolina | $1,144 | -$118 | -9.4% |
| South Dakota | $1,064 | -$198 | -15.7% |
| Tennessee | $1,102 | -$160 | -12.7% |
| Texas | $1,518 | $256 | 20.3% |
| Utah | $934 | -$328 | -26.0% |
| Vermont | $862 | -$400 | -31.7% |
| Virginia | $754 | -$508 | -40.3% |
| Washington | $972 | -$290 | -23.0% |
| West Virginia | $1,154 | -$108 | -8.6% |
| Wisconsin | $870 | -$392 | -31.1% |
| Wyoming | $1,122 | -$140 | -11.1% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GS 350 | $1,232 | $103 |
| Lexus GS 350 AWD | $1,262 | $105 |
Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS 350 | $312 | $598 | $384 | $1,430 |
| 2019 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2018 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
| 2017 Lexus GS 350 | $270 | $466 | $390 | $1,262 |
| 2016 Lexus GS 350 | $260 | $436 | $394 | $1,226 |
Rates are averaged for all Lexus GS 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy More Affordable Lexus GS 350 Insurance
Finding cheaper rates on auto insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a summary of the information presented in the illustrations above.
- Drivers can save around $150 per year simply by quoting early and online
- 16 to 18-year-old drivers have the highest car insurance rates, costing up to $392 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save up to $500 each year
- Drivers who have multiple accidents or major violations pay on average $1,470 more per year than a driver with a clean driving record
- Consumers who purchase additional liability coverage will pay around $430 each year to increase from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,708 |
| 20 | $2,898 |
| 30 | $1,314 |
| 40 | $1,262 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,582 |
| $250 | $1,434 |
| $500 | $1,262 |
| $1,000 | $1,092 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,262 |
| 50/100 | $1,340 |
| 100/300 | $1,438 |
| 250/500 | $1,691 |
| 100 CSL | $1,379 |
| 300 CSL | $1,594 |
| 500 CSL | $1,750 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,722 |
| 20 | $4,618 |
| 30 | $2,788 |
| 40 | $2,728 |
| 50 | $2,602 |
| 60 | $2,576 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $57 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
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